Skip to main content

Breaking That Month-To-Month Cycle


Most people work hard to earn enough money to support themselves and their family. The national statistic of employed individuals in the UK has risen (at over 34 million people), and the unemployment rate has dropped over recent years.
But, unfortunately, many people find themselves in a horrid cycle of month-to-month living. Meaning that the money earned one month is just enough to see a person through to their next payday. This causes a multitude of issues; if one pay is less one month for some reason, it can throw off the whole balance. If a surprise bill appears during the month, or an emergency situation occurs, then it is likely that you would struggle through the rest of the month.

And the pressure can become worse when approaching birthdays and Christmas where the income has to, not only pay for the usual monthly bills, but for the celebrations too.

Living month-to-month is one of the main ways people can fall into personal debt, which is then yet another thing to chip away at your monthly income.

There are a few things that you can do to help break this cycle and to prepare for situations where you don’t have enough income to see you through one month.

Check Your Payslip

In all seriousness, when you receive your payslip do you look further than the total amount earned? Because you should be. Understanding your payslip is one of the most important things when it comes to your finances. Whether you receive a printed copy or an electronic one, the components are the same.

You need to be checking whether you are being taxed correctly by keeping an eye on your tax code - particularly if you have started a new job. Whether your holiday and sick pay has been calculated correctly - check your entitlements in your contract and with this statutory sick pay guide.

For shift workers - it is always a good idea to track your hours so that any mistakes on your payslip can be queried and backed up with evidence.


You’ve heard it a thousand times, but the only way you will be able to break the cycle is to plan out your outgoings. This way you can distribute your finances appropriately and know that everything is covered. Get into the right frame of mind and either build your own, use a template on programs like Excel or find a budgeting tool online.

Figure out your necessities and be ruthless with the extras. Do you absolutely need Netflix? If yes, then what can you sacrifice to pay for it? For the first few months, there may not be much wiggle room, if any at all. By cutting the luxuries out, you are able to save a set amount each month, which will give you a cushion to work with later on to afford the occasional treat.

Bank Accounts

While you are looking at your finances, look at your accounts too. Open up a high interest savings account, if you don’t already have one, and set up a standing order for your pay-day for a set amount of money. This may be as little as £10 a month, but over the year you may find you can add a bit more here and there and will add up to a nice amount.

You might, also, want to think about opening a second account purely for bills to leave from. Send over the money to cover the bills on payday, and then you don’t have to worry about it. And what is left in your regular account can be used for things like food and fuel, and any little luxuries you have allotted yourself this month.

Double Check Suppliers

You can’t switch companies halfway through a contract, but it never hurts to shop around while in one. Being prepared with another offer helps when the time comes to renew your contract. Look at comparison websites for deals. It’s easier to say know when you have a plan than when it catches you unaware. Quite often companies like your broadband provider will try and offer you a deal when they hear you are leaving for a competitor.

Which doesn’t mean that you should make up offers - the salesperson has access to the same information as you do. And remember that you don’t have to say yes straight away - while on the phone, write down the details of the offer, take the seller’s name and ask them to call you back later. This gap will allow you time to crunch the numbers and to talk to any other bill payers in the household.


Only buy what you need. When it comes to food shopping, buying packs of food might not always be the best option - particularly when it comes to fresh food. Create a meal plan before you go shopping if you only need two peppers all week then only pick up two peppers. Not only will this reduce your food bill, but it will lower your food waste.

Buy Christmas and birthday presents year round. Use seasonal sales to your benefit - including the January sales; there’s no better time to pick up Christmas-themed gifts or decorations at a much lower price. The same for the end of summer sales when preparing for next year.


Any extras you get, throw them into your savings. From monetary gifts for birthdays and Christmas, to work bonuses and inheritances. Add them all to your savings. This will help to pay for any holidays or days out. For emergencies and surprises.

There is also the option of asking for help off family and friends, or off the government. If you are struggling to pay for the necessities each month, then see if you are eligible for some extra government funding using this benefit guide. There are many ways in which you can receive help, from income tax credit to housing benefit.


Popular posts from this blog

Copycat Boston Pizza's Bandera Bread

Have you ever had a craving for something but then once you looked at it you realized, I can make that myself for next to nothing? That's how I felt last night I thought about ordering in some food but then realized I really don't want to spend any money. I really wanted pizza bread from Boston Pizza. So I recreated it and oh my goodness was it ever good. Try some of these great recipes too!  Pizza Bread Dough 1 cup warm water 1 tsp instant yeast 1 tsp sugar 2 cups flour  Seasoning 1 tbsp melted butter 1 tsp garlic powder 1 tsp onion salt 1 tsp parsley 1 tsp rosemary 1 tsp basil 1 tsp oregano 1/2 tsp sugar 1. Combine the water, yeast, and 1 tsp of sugar in the mixing bowl and let stand for 5 minutes. Add the flour and salt and mix until a ball of dough forms. Roll ball onto a floured counter top and knead for a couple minutes.  2. Put dough in an oiled bowl and let rise for 30 mins in a warm place with a clean cloth draped over top. While your doug

DIY Table Revamp - Guest Post

Hi all! I'm Tiffany from This Motherhood is Brought to You by Xanax and I am so excited to be a part of the Guest Post Swap and to be Amanda's swap partner! I love love love her idea on how to make indoor snowballs with egg cartons. I am definitely going to have to try that with my kiddos since my smallest one has decided that it has to snow for Christmas. Poor baby doesn't know snow is hard to come by in Alabama :( For my guest post I wanted to share a little DIY with you guys that involves duct tape! A few months ago my daughter's little chair that goes with her table she sits at every day tore and she made it worse by pulling all of the stuffing out of the seat! What started out as a quick fix turned into a great idea. She loved her seat so much that she has now decided that her table has look cool too so being the smarty pants that she is, she tore her table!

Amazing Ways To DIY Your Nails In The New Year

Having beautiful fingernails can really boost a woman's confidence. Not only do they feel sexy and sassy but they look well maintained and professional. There are a number of different styles of manicures you can get done professionally but they can be costly and if you are trying to stick to a budget and save money it is best to give DIY a try. These beautiful nail designs are easy to do and look fantastic. There are some that are more intricate and some that are simple but all will be amazed that you made them yourself. Try using small gems and crystals at the tips to add a touch of sophistication.  Tips make a world of difference and they can be as easy as you wish. There are so many beautiful polishes that have amazing colours you can match. These simple nail designs can be done by any busy lady and make a lasting impression to anyone who comes across them. Hot Beauty Health has all the instructions for these super simple nail designs. There are a large number